Refund Policy
This Refund Policy applies to all purchases made on the Steward Learning Cloud platform and is issued in compliance with the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020.
1. Eligibility for Refund
Refund requests are considered in the following situations:
| # | Situation | Refund Amount |
|---|---|---|
| 1 | Duplicate payment for the same course | 100% |
| 2 | Course cancelled by Steward before commencement | 100% |
| 3 | Technical failure preventing access, unresolved within 7 days | 100% |
| 4 | Refund request within 7 days of purchase, before 20% of the course is consumed | 100% |
| 5 | Refund request within 15 days of purchase, 20% – 40% of course consumed | 50% |
| 6 | After 40% of the course is consumed | Not eligible |
2. Non-Refundable Items
- Certificates already issued with QR verification;
- Live-session attendance (recording delivery is deemed consumption);
- Sale / discounted courses (unless statutorily required);
- Optional add-ons (physical study material once dispatched).
3. How to Request a Refund
Email admin@stewardindia.com from your registered address with:
- Order number / invoice number
- Reason for refund
- Screenshots or evidence (for technical issues)
You may also raise a ticket from Settings → Help inside the Platform.
4. Processing Timeline
- Acknowledgement: within 24 hours
- Decision: within 7 business days
- Refund credit: within 7–10 business days of approval, to the original payment method
Refunds are processed via Razorpay and are subject to the recipient bank's / UPI provider's own processing timelines. Steward is not responsible for delays caused by such intermediaries.
5. GST on Refunds
Where GST was collected on the original invoice, a credit note will be issued in compliance with the CGST Act, 2017. The GST component will be refunded along with the base amount.
6. Chargebacks
Filing a chargeback without first raising a refund request with us is considered a material breach and may result in suspension of the account pending resolution.
7. Grievance Redressal
If your refund request is not resolved to your satisfaction, escalate to:
- Grievance Officer · admin@stewardindia.com
- Consumer Helpline · 1915 (National Consumer Helpline of India)
- INGRAM Portal · https://consumerhelpline.gov.in
8. Governing Law
This Policy is governed by the laws of India. Disputes are subject to the exclusive jurisdiction of the courts at Panipat, Haryana, subject to mandatory consumer-forum jurisdiction under the Consumer Protection Act, 2019.